Most of the management team feels that we are not a lean and mean competitor,

These short-term results are absolutely unacceptable to our shareholders ? and to Bank One management,

It's great that people get together and collaborate, talk about the facts and the analysis, all in the interest of having a great financial system.

The best way to look at any business is from the standpoint of the clients.

Virtual currency, where it's called a bitcoin vs. a U.S. dollar, that's going to be stopped. No government will ever support a virtual currency that goes around borders and doesn't have the same controls. It's not going to happen.

The transaction reflects our disciplined strategy of investing capital in core businesses where we can leverage scale and expertise for competitive advantage. In addition to being a great strategic fit, the deal is compelling financially.